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Debt Reduction Services Reviews

Home » Debt Reduction Services Reviews

Debt Reduction Services, Inc. Reviews, Complaints, Ratings, and Cost of Services

Debt Reduction Services Inc., Reviews for 2023 (complaints, cost & FAQs)

If you are looking for help with your credit card debt – reduction, relief and consolidation options are advertised all over the internet. How can you tell if it’s a scam or legit?

A reputable company will help you manage your debt and circumvent high-interest rates. Debt Reduction Services, headquartered in Boise, Idaho, is a 501(c)(3) non-profit that provides full-service debt management and credit counseling services. The organization was founded in 1996 and includes debt assistance in fifty states.

Debt Reduction Services is a consumer credit counseling and debt settlement company offering free budget and credit counseling, affordable debt consolidation options, and free community-wide educational activities. According to our research, this company is one of the nation’s top twenty debt relief companies; we’re about to tell you why in this detailed review. A few traits that set this company apart from most others in the industry is that they offer multiple debt relief programs, including a non-profit consumer credit counseling program, debt management plan (DMP), payday loan relief, bankruptcy counseling, and third-party debt collection help. They also have a high ratio of positive to negative reviews found online about them, over twenty years in business and several licenses and accreditations. In addition, debt Reduction Services has very few complaints listed online about them, another positive especially considering how long they’ve been in business. 

 Our experienced debt experts at have scoured the internet, examining negative and positive reviews and complaints about Debt Reduction Services. We’ve used the most reputable sources to create this review, including the Better Business Bureau (BBB), IRS and regulatory agencies. In the following Debt Reduction Services review, presents our research findings.

We recommend comparing your debt relief options and offers from different companies. While visiting this website, you may also be interested in learning more about debt settlement and consolidation lenders. Also, check out our list of the top 20 debt relief companies for 2023. 

About Debt Reduction Services

  • Legal Name: Debt Reduction Services
  • Industry: Debt Relief, Consumer Credit Counseling, Bankruptcy Counseling, Debt Management Plans (DMP)
  • Address: Debt Reduction Services has offices in Boise, Idaho and New York, New York.
  • Website:
  • Phone: (866) 688-3328
  • Licensed? Yes
  • Type of license: consumer credit counseling and is a 501(c)(3) non-profit
  • Where is Debt Reduction Services Available? All 50 states in the U.S., Guam, the Virgin Islands, and all active U.S. military bases across the world
  • Certifications and Accreditations: Financial Counseling Association of America (FCAA)
  • Company management: The CEO is Joe Cestaro

How does Debt Reduction Services work?

Debt Reduction Services helps its clients through a debt management plan (DMP), a form of nonprofit debt consolidation that will allow you to reduce your monthly payments and interest rates without having to take out a loan.

Credit counselors work with your creditors and get you a single, fixed monthly payment that you can afford. Following that, they’ll pay the agency they’re working with a single monthly payment. Once their debt management plan is in motion, Debt Reduction Services will send monthly payments to all the creditors included in the program. 

The DMP approach will help you remain on track and avoid being overwhelmed, by consolidating your debt into a single monthly payment rather than numerous payments, often at different times of the month.

While the company claims you can reduce interest rates and payments by up to 50% we can’t guarantee the figures. Nonetheless, you can still cut interest and fees to help you get out of debt more quickly. A DMP may also help improve your credit score due to on-time payments (unlike debt settlement, which harms it).

Debt Reduction Services also provides credit counseling and budgeting services. Here, the services are free and a good choice for those who do not want to use the DMP services. If cost concerns you, you can still get counseling services.

What Types of Accounts Qualify for the Debt Reduction Services?

Debt Reduction Services can only apply to certain kinds of unsecured debt, such as credit card debt, payday loans, and medical bills.

Check out more debt relief company reviews:

Is Debt Reduction Services Licensed?

The company is licensed to offer the following services in the 50 states in the U.S., Guam, the Virgin Islands, and all active U.S. military bases across the world:

  • Debt consolidation program
  • Bankruptcy counseling
  • Student loan counseling
  • Credit report review

Is Debt Reduction Services Accredited?

Debt Reduction Services earned membership with the Financial Counseling Association of America. With this accreditation, the company follows industry standards when offering services to its clients. 

Is Debt Reduction Services BBB Accredited?

DRS is BBB accredited and highly rated. At the time of writing, the Debt Reduction Services reviews, it had an A+ rating, which means that you can trust the company to provide the services in a fully transparent manner.

Debt Reduction Services Pros

  • Licensed in all 50 states. 
  • Program helps stop your auto-drafts so you can avoid negative bank accounts. 
  • Program helps prevent further collection actions such as judgments and garnishment. 
  • Offers payday loan assistance. 
  • Offers priority online counseling 24 / 7 to access certified counselors.
  • Stops over-limit and late fees.
  • Features an online client dashboard to help you track your plan in real-time.
  • Offers free financial planning and credit counseling 
  • No upfront fees 
  • High rating; over 1000 customer reviews with an average rating of 4.9 out of 5.

Debt Reduction Services Cons

  • Fees for DMPs aren’t disclosed up front
  • No mobile app
  • You can’t use their DPMs for secured debts, such as a car loan.

Debt Reduction Services complaints at BBB:

Only two complaints have been made about Debt Reduction Services, both  service-related issues, with customers alleging that their credit score worsened after contracting with the business. 

Final Conclusion:

Is Debt Reduction Services Legitimate?

Yes. Debt Reduction Services is a legitimate company and again, we believe it’s amongst the top twenty debt relief companies in the nation as of 2023.

It is a member of the Financial Counseling Association of America (FCAA). Additionally, the company has never been in any lawsuit brought by the FTC (Federal Trade Commission).

Disclosure is a valuable resource for finding reviews for credit and debt relief companies. does its best to provide factual and truthful information to help the public by giving honest debt relief, settlement, and consolidation reviews. However, please email us at if you believe any of the information on this page is inaccurate, and we will make appropriate edits.

Always do your research, and do not rely solely on the information provided in this review. We are not responsible for the results of any program you choose to join. Check multiple sources for reviews, including your state’s AG office, FTC, and BBB. Reviews about Debt Reduction Services on Yelp and Reddit may also be helpful.

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